Agroasemex in Mexico, in The potential for scale and sustanaibility in weather index insurance

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The Weather Risk Management Facility, a joint undertaking of IFAD and WFP, reviewed a range of recent experiences with index insurance programmes around the world, analysing the key actors, features of the products, and their successes and challenges. These pilot programmes have demonstrated the great potential of index insurance as a risk-management tool. They suggest that index insurance could not only provide an additional effective, market-mediated solution to promote agricultural development, but it could also make disaster relief more effective.

The South African microinsurance regulatory framework

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The South African Microinsurance Regulatory Framework Policy Document is the final outcome of the consultative process initiated after the publication of a discussion paper “The Future of Microinsurance in South Africa” in April 2008. The policy document summarises the proposed regulatory framework for microinsurance in South Africa that is envisaged to be incorporated into a forthcoming Microinsurance Act and subordinate legislation.

Microinsurance: Analysis of Outstanding Experiences in Latin America and the Caribbean

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FIDES and the Inter American Development Bank (IDB), acting as administrator of the Multi-Lateral Development Fund (MIF), have designed a project for the development of the private microinsurance sector in Latin America and the Caribbean with the purpose of promoting microinsurance in the region. In the context of the project, MAPFRE foundation, FIDES and the IDB / MIF have financed this study which examines the framework for successful microinsurance in Latin America and the Caribbean, and the minimum requirement matrix for the implementation of microinsurance projects.

Islamic insurance revisited

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This publication is an update of the “Islamic Insurance” section of the sigma No5/2008 which considered how companies involved in takaful could best serve the Muslim population throughout the world. It is filling in the key issues, changes, and developments from 2008 until today.

The Social Dilemma of Microinsurance: A Framed Field Experiment on Free-Riding and Coordination

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This paper analyses free-riding and coordination problems in microinsurance. The proposition is that the demand for insurance suffers from a social dilemma when formal insurance is introduced in existing risk-sharing networks. Less risk averse individuals offering welfare-improving insurance are tempted to free-ride on the enrolment of their network members while the more risk averse may fail to coordinate. This results in suboptimal demand. Group insurance binds both types to the social optimum.

The Kenyan microinsurance policy framework paper

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The Microinsurance Policy Paper maps out the Insurance Regulatory Authority’s (IRA) future path in the regulation and supervision of microinsurance in Kenya. It spells out the strategic approach chosen, and the principles and key elements underlying this process. The paper makes policy recommendations that lay the foundations for the drafting of a legal and regulatory framework aimed at enabling the microfinance market to develop in a sound and customer-oriented environment.

Protection of the microinsurance consumer: confronting the impact of poverty on contractual relationship

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This paper provides a legal analysis of the contractual vulnerability of the microinsurance consumer and in so doing, studies mechanisms that effectively protect such a consumer. The microinsurance consumer is in a particularly vulnerable contractual position as consequence of his or her “poverty”.

MILK Discussion Note #3: Counting lives covered – Getting it right

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The Microinsurance Learning and Knowledge (MILK) Project released Discussion Note n°3 which syntheses the MILK’s approach for counting policies and covered lives. Indeed, keeping an accurate count of covered lives is important for measuring the scale and impact of a microinsurance program, and different approaches can lead to drastically different counts.

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